Home insurance allowing business use??

firsttimebuyers_2

Hi,

My partner has recently qualified as a massage therapist and is planning on using a spare bedroom as a part-time therapy room. She does not predict a huge number of clients coming to the house in the first couple of years (perhaps one a month max).

Does anyone know of any good value insurance companies offering home insurance policies allowing a small amount of business use?

Thanks.

dogbot

Most won't cover any business use - too risky having people who are clients visiting the property for the pile-em-high people you will find on the usual price comparison websites.

She will need liability cover anyway, so she might be best looking for a working from home business policy - AXA and Lloyds TSB (now underwritten by Allianz, was AXA) offer these. I know the AXA policy also allows you to insure the house along with it, I assume the Lloyds one still does but you would have to check. AXA also sell via Swinton and some other agents with a branded offering. Direct Line for business have a similar product and HSBC used to have an offering too so worth checking.

You might be best trying a good local broker, not swintons or endsleigh, who have access to more specialist products and can talk to personal lines home insurers who will cover you.

dacouch

You can get stand alone P/L and P/I from Towergate MIA http://www.towergateunderwriting.co.uk/zones/caring-professions.aspx

Make sure you inform your insurers of the businss use as they are unlikely to want to offer cover if it's a standard home insurance

firsttimebuyers_2

Thanks guys.